Pengaruh Financing to Deposit Ratio dan Non Performing Financing
terhadap Return On Asset di Bank Syariah Mandiri Periode 2013-2017
Prita Humairoh
Perbankan Syariah
ABSTRACT
This research was conducted to find out how much influence Financing to Deposit Ratio (FDR) and Non Performing Financing (NPF) on Return On Asset (ROA) in Bank Syariah Mandiri.
The method used is associative quantitative method, with secondary data in the form of quarterly financial statement. Data analysis done by description and statistic. Statistical data processing using the IBM SPSS Statistic 23 application. The authors also received data from the theories of experts on FDR, NPF and ROA to strengthen the analysis.
The results of this study indicate that FDR (X1) has a positive and significant influence on ROA (Y). This is based on the t-test that is tcount = 6,341 > ttable = 2,109 and significant value (Sig.) 0,000 < 0,05. NPF (X2) has a negative and significant influence on ROA (Y). This is based on the t-test that is tcount = -5,577 > ttable = 2,109 and significant value (Sig.) 0,000 < 0,05. FDR (X1) and NPF (X2) simultaneosly on ROA (Y), with simultaneous test results (F test) that is Fcount = 47,528 > Ftable = 3,59 with a significance level of 0,000 < 0.05, or H0 is rejected and H1 is accepted, it means that FDR (X1) and NPF (X2) has a positive and significant influence on ROA (Y). While the correlation coefficient is 0,921, this shows a very strong influence.
The determination coefficient value obtained is 84,8%, meaning that the influence of FDR (X1) and NPF (X2) is 84,8% on ROA (Y), while the remaining 15,2% is influenced by other factors that are thought to affect ROA but not examined such as Capital Adequacy Ratio (CAR) dan Biaya Operasional Pendapatan Operasional (BOPO).
Kata Kunci: Financing to Deposit Ratio, Non Performing Financing and Return On Asset
ABSTRAK
Penelitian ini dilakukan untuk mengetahui seberapa besar pengaruh Financing to Deposit Ratio (FDR) dan Non Performing Financing (NPF) terhadap Return On Asset (ROA) di Bank Syariah Mandiri.
Metode yang digunakan adalah metode kuantitatif asosiatif, dengan data Sekunder yang berupa Laporan Keuangan Triwulan. Analisa Data dilakukan secara deskripsi dan statistic. Pengolahan data statistic menggunakan bantuan Aplikasi IBM SPSS Statistic 23. Penulis juga mendapat data-data dari teori para ahli tentang FDR, NPF dan ROA untuk memperkuat analisis.
Hasil Penelitian menunjukan bahwa FDR (X1) berpengaruh positif dan signifikan terhadap ROA (Y), Hal ini berdasarkan uji t dimana thitung = 6,341 > ttabel = 2,109 dan nilai signifikan (Sig.) 0,000 < 0,05. NPF (X2) berpengaruh negatif dan signifikan terhadap ROA (Y). Hal ini berdasarkan uji t dimana thitung = -5,577 > ttabel = 2,109 dan nilai signifikan (Sig.) 0,000 < 0,05. FDR (X1) dan NPF (X2) secara simultan terhadap ROA (Y), dengan hasil uji simultan (uji F) yaitu Fhitung = 47,528 > Ftabel = 3,59 dengan tingkat signifikan 0,000 < 0,05, atau H0 ditolak dan H1 diterima, artinya FDR (X1) dan NPF (X2) berpengaruh positif dan signifikan terhadap ROA. Sedangkan nilai koefisien korelasi sebesar 0,921, hal ini menunjukkan pengaruh yang sangat kuat.
Adapun nilai koefisien determinasi yang diperoleh sebesar 84,8%, artinya pengaruh FDR (X1) dan NPF (X2) sebesar 84,8% terhadap ROA (Y), sedangkan sisanya yaitu sebesar 15,2% dipengaruhi oleh faktor lain yang diduga dapat mempengaruhi ROA tetapi tidak diteliti, seperti antara lain Capital Adequacy Ratio (CAR) dan Biaya Operasional Pendapatan Operasional (BOPO).
Kata Kunci: Financing to Deposit Ratio, Non Performing Financing dan Return On Asset
